2019-2025年银行招聘之银行招聘综合知识通关考试题库带答案解析.docx

2019-2025年银行招聘之银行招聘综合知识通关考试题库带答案解析

单选题（共600题）
1、填入括号处最恰当的词语是（　　）。
A.连播供品
B.连播贡品
C.联播供品
D.联播贡品

【答案】 B
2、生物的多样性没有涵盖（ ）。
A.遗传多样性
B.生物物种多样性
C.生态系统多样性
D.物质多样性

【答案】 D
3、( )年10月27日中国工商银行于上海及香港同步上市，实现了从国有独资商业银行到股份制商业银行，再到国际公众持股公司的历史任务。
A.2005
B.2006
C.2007
D.2008

【答案】 B
4、资料：October 20,2013
A.He was impressed with its menu
B.The hotel is located close to the company
C.He has special ties with the hotel staff
D.It has become a tradition of the company

【答案】 A
5、2月6日，我国自主研发建造的全球首座十万吨级深水半潜式生产储油平台（　　）能源站，抵达海南陵水海域。
A.“天海一号”
B.“深海一号”
C.“深鲸一号”
D.“白鲨一号”

【答案】 B
6、下面属于非票据结算的是（ ）。
A.汇兑结算
B.汇票结算
C.本票结算
D.支票结算

【答案】 A
7、经常项目账户的顺差意味着( ）。
A.出口大于进口
B.出口小于进口
C.出口等于进口
D.出口的增加大于进口增加

【答案】 A
8、“Well done,Cassandra.”Crook said.She blushed,but accepted the （ ）with good grace.
A.commence
B.compromise
C.compensate
D.compliment

【答案】 D
9、—Guess,how much does it cost?
A.from
B.between
C.among
D.with

【答案】 B
10、资料：From Coins to Credit Banking Throughout the Ages is a concise history of banks and the banking industry from ancient times to the present. James Gallagher, who has made a career of covering financial news for several newspapers, has done a careful job of investigating his subject. Although he presents the facts carefully, Mr. Gallagher has made what could have been a dry book into one that is interesting and enjoyable. By telling amusing anecdotes about historical figures, he makes them come alive. Even people who are not particularly attracted to the subject matter will find this book engrossing.
A.Banker
B.Librarian
C.Journalist
D.Publisher

【答案】 C
11、I had just posted the letter when I remembered that hadn’t（ ）the cheque。
A.imposed
B.enclosed
C.involved
D.contained

【答案】 B
12、资料：Poor health is not only damaging to employees, it is detrimental to businesses." Corporations pay a heavy cost for stress-related illnesses, such as hypertension, gastrointestinal problems, and substance abuse." says Rubin.
A.build motivation and a support system
B.encourage breaks to do exercise
C.build a kitchen so that the employers could make healthy meals
D.All above

【答案】 D
13、 The United States will do that which is necessary to meet its ______ to its own citizens.
A.rules
B.promise
C.principles
D.obligations

【答案】 D
14、 顺达公司为增值税一般纳税企业，其向银行申请一笔流动性贷款，银行工作人员在对其报表数据调查以后．了解到该公司发生如下经济业务，请判断以下问题：
A.由于管理不善造成的存货净损失计人管理费用
B.以存货抵偿债务结转的相关存货跌价准备冲减资产减值损失
C.为特定客户设计产品发生的可直接确定的设计费用计入相关产品成本
D.非正常原因造成的存货净损失计入营业外支出

【答案】 B
15、资料：Imagine you went to a restaurant with your girlfriend, had a burger, paid with a credit card, and left. The next time you go there, the waiter or waitress, armed with your profile data, greets you with, “Hey Joe, how are you？ Mary is over there in the seat you sat last time. Would you like to join her for dinner again？” Then you find out that your burger has been cooked and placed on the table. Forget the fact that you are with another date and are on a diet that doesn’t include burgers.
A.show the good services offered in some web restaurants
B.criticize some restaurants for the poor services
C.show the Internet’s ability to collect data on you
D.prove the incredible power of the Internet to change your diet

【答案】 C
16、I have been looking____your kind reply.
A.out for
B.down on
C.in on
D.forward to

【答案】 D
17、某服装店有T恤45件，其中短袖的有22件，翻领的有20件，既是短袖又有翻领的有12件，则既不是短袖，也不是翻领的T恤是（　　）件。
A.14
B.13
C.12
D.15

【答案】 D
18、下面有关计算机的叙述中，正确的是（　　）。
A.计算机的主机只包括CPU
B.计算机程序必须装载到内存中才能执行
C.计算机必须具有硬盘才能工作
D.计算机键盘上字母键的排列方式是随机的

【答案】 B
19、 Like no previous technology, mobile technology has spread______an unprecedented pace in the last few years.
A.at
B.in
C.on
D.with

【答案】 A
20、资料：We all know that lack of sleep affects our memory along with other cognitive abilities. Sitting in the office sleep deprives it’s difficult to remember your own name, let along the ever-lengthening to-do list.
A.repeat
B.pour back
C.feed
D.remix

【答案】 A
21、资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
A.Banking and Non-banking in the USA
B.Banks in the USA
C.Bankers in the USA
D.Banking in the USA

【答案】 B
22、资料：A man looking for art for his new home has won a $1 million Picasso painting with a $138 raffle ticket. Jeffrey Gonano told the Pittsburgh Tribune-Review he's not sure he'll ever hang the masterpiece in his home in Wexford, in western Pennsylvania, given its value. The 25-year-old Gonano, who works for his family's fire sprinkler business, learned Wednesday that his ticket had won the Paris raffle. Organizers say nearly 50,000 tickets were sold worldwide, for 100 euros apiece, to benefit a Lebanese charity.
A.The Buddhist painting in insignificant
B.The Picasso painting is extremely precious
C.She dislikes the Picasso Painting
D.She will explore more art galleries by herself

【答案】 B
23、以下关于宏观经济政策与证券市场间的关系说法错误的是（　　）。
A.汇率下降，本币升值，出口型企业证券价格就会上扬
B.货币政策的调整会直接、迅速地影响证券市场
C.财政政策的调整对证券市场具有持久但较为缓慢的影响
D.汇率政策的调整从结构上影响证券市场价格

【答案】 A
24、减少所得税的财政政策，对利率的影响（　　），对消费的影响（　　）对投资的影响（　　），对GDP的影响（　　）。
A.上升，增加，减少，增加
B.上升，减少，减少，增加
C.下降，增加，减少，增加
D.上升，增加，减少，减少

【答案】 A
25、 同业拆借业务中，拆入银行拆人资金时应借记的科目是（　　）。
A.存放同业款项
B.同业存放款项
C.同业拆入
D.存放中央银行款项

【答案】 D
26、Swimming is an all-body workout。It______small muscle groups that often get ignored in other workouts。
A.helps
B.keeps
C.heals
D.works

【答案】 D
27、当利率下降，对消费者的影响是（　　）。
A.刺激消费，减少储蓄
B.刺激消费，刺激储蓄
C.抑制消费，抑制储蓄
D.抑制消费，刺激储蓄

【答案】 A
28、资料：Most young people enjoy some form of physical activity. It may be walking, cycling or swimming, or in winter, skating or skiing. It may be a game of some forms, football, hockey, golf, or tennis. It may be mountaineering.
A.cold
B.hardship
C.physical risk
D.all of the above

【答案】 D
29、在Word的编辑状态下，打开了文档“myl．doc”，把当前文档以“my2．doc”为名进行“另存为”操作，则（　　）。
A.当前文档是my1.Doc
B.当前文档是my2.doc
C.当前文档是my1.doc与my2.doc
D.my1.doc与my2.doe全部关闭

【答案】 B
30、下列反映国民经济发展的指标中，属于数量指标的是（ ）。
A.国内生产总值
B.人均国内生产总值
C.国内生产总值增长速度
D.国家财政收人占国内生产总值的比重

【答案】 A
31、PowerPoint2003的动画中，不能实现的功能为（）。
A.设置幻灯片的切换效果
B.设置同一文本框中不同段落的出现次序
C.设置对象出现的先后顺序
D.设置声音的循环播放

【答案】 B
32、The new store,（　　）is currently undergoing construction,will have its grand opening sometime next spring.
A.who
B.were
C.when
D.which

【答案】 D
33、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.He had to prepare for his exam
B.The dresses he bought weren’t of high quality
C.Customers didn’t accept his taste in fashion
D.He didn’t have enough money to buy beautiful dresses

【答案】 C
34、甲出资100万、乙出资200万、丙出资400万作为股东，共同成立了丁有限责任公司。下列说法中正确的是（　　）。
A.甲以600万出资额为限对丁公司承担责任
B.乙以500万出资额为限对丁公司承担责任
C.丙以300万出资额为限对丁公司承担责任
D.丁以700万全部财产对公司债务承担责任

【答案】 D
35、Mr.Smith had an unusual（ ）：he was first an office clerk，the a sailor， and ended up as a school teacher.
A.profession
B.occupation
C.position
D.career

【答案】 D
36、本币升值的影响表现为本国商品的（　　）。
A.国内价格下降，出口价格不变
B.国内价格不变，出口价格下降
C.国内价格和出口价格均下降
D.国内价格和出口价格均不变

【答案】 D
37、Even if you don’t actually carry out all the actions you say you will take, honest students will appreciate knowing that you care enough about academic ______ to take precautions.
A.entirety
B.integrity
C.unity
D.reliability

【答案】 B
38、Ninety-four studies were deleted because they did not
A.make
B.meet
C.put
D.keep

【答案】 B
39、Their happiness was very（　　）.
A.crisp
B.brittle
C.delicate
D.fragile

【答案】 D
40、To our surprise， she suddenly（ ）in front of us。
A.appealed
B.appeared
C.appeased
D.prepared

【答案】 B
41、我国刑法在时间效力方面采用的原则是（ ）。
A.从旧兼从重
B.从旧兼从轻
C.从新兼从重
D.从新兼从轻

【答案】 B
42、In the dark street,there wasn’t a single person_she could turn for help.
A.that
B.who
C.from whom
D.to whom

【答案】 D
43、Two years ago,Rupert Murdoch’s daughter,Elisabeth,spoke of the“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the only"sorting mechanism"in society should be profit and the market.But"it's us,human beings,we the people who create the society we want,not profit".
A.the consequences of the current sorting mechanism
B.Companies’financial loss due to immoral practices
C.governmental ineffectiveness on moral issues
D.the wide misuse of integrity among institutions

【答案】 A
44、Passage 8
A.The rules are good for lenders while bad for borrowers
B.The rules will help baby boomer seniors to save money
C.The rules will help consumers better understand reverse mortgage
D.The rules will be stricter for consumers

【答案】 C
45、对于价值较低或极易损坏的低值易耗品，应采用( ）进行摊销。
A.使用次数摊销法
B.分次摊销法
C.一次转销法
D.计划成本法

【答案】 C
46、以一定单位的本国货币为标准来计算应收多少单位外国货币的标价方式是（ ）。
A.直接标价法
B.买人标价法
C.间接标价法
D.应付标价法

【答案】 C
47、资料：What if you were told there was a way you may strengthen your cognitive skills and heighten your intelligence, and all you had to do was was learn to strike up basic conversations in another language?
A.It helps people stay focused
B.It memorizes a sequence of directions
C.It’s a command system
D.It directs the attention processes

【答案】 B
48、2020年4月29日，中共中央政治局委员会召开会议，会议指出，党中央研究确定了支持湖北省经济社会发展（　　），从财政税收、金融信贷、投资外贸等方面明确了具体措施。
A.全包全揽计划
B.加速加快发展
C.一揽子政策
D.一省带一市

【答案】 C
49、Passage 2
A.How rich and poor regions can share responsibility in curbing global warming
B.How human and economic losses from climate change can be reduced
C.How emissions of heat-trapping gases can be reduced on a global scale
D.How rich countries can better help poor regions reduce climate hazards

【答案】 D
50、Heating，ventilating，and air conditioning（HVAC） systems are______in most of underground subway stations to provide comfortable and fresh air to underground subway stations。
A.assembled
B.installing
C.equipped
D.installed

【答案】 D
51、我国现阶段的货币政策采用（　　）公式来考量M2增速是否适宜。
A.M2增速=GDP增速+CPI+1%
B.M2增速=GDP增速+CPI+2%
C.M2=GDP增速+CPI
D.M2=GDP增速+CPI+1%至2%

【答案】 C
52、下列对我国在高科技领域说法不正确的是（）。
A.发展航天事业可以促进我国经济的发展
B.高科技的竞争是综合国力竞争的实质
C.高科技的竞争仅是国力竞争的一方面，综合国力竞争的实质是军事力量
D.航天事业的发展，能够增强民族凝聚力

【答案】 C
53、She got her degree successfully as her university _____was on Marina Tsvetaeva, a poet then in deep official disfavor.
A.conclusion
B.hypothesis
C.dissertation
D.paradox

【答案】 C
54、资料：Elizabeth Blackwell was born in England in 1821, and moved to New York City when she was ten years old. One day she decided that she wanted to become a doctor. That was nearly impossible for a woman in the middle of the nineteenth century.After writing many letters asking for admission （录取） to medical schools, she was finally accepted by a doctor in Philadelphia. She was so determined that she taught school and gave music lessons to get money for the cost of schooling.
A.She decided to further her education in Paris
B.serious eye problem shopped her
C.She couldn’t get admitted to medical school
D.It was difficult for her to start a practice in the United States

【答案】 B
55、资料：THOMAS WILSON
A.Medicine
B.high tech
C.healthcare
D.real estate

【答案】 A
56、（　　）的基本内容是：只要财产权是明确的，并且交易成本为零或很小，则无论在开始时将财产权赋予谁，市场均衡的最终结果都是有效率的。
A.帕累托定理
B.欧拉定理
C.恩格尔定理
D.科斯定理

【答案】 D
57、Let's face it.Gardening fanatics like nothing better than to have their hands stuck in the soil or to be trimming,pruning,or harvesting the fruits of their labors.But for once,here is an obsession which benefits the whole community by beautifying the environment and producing cooler,more fragrant,and cleaner air.To recognize that fact,the Tampa City Council has decided to award generous prizes to the most beautiful displays this spring.
A.The condition of the flowers
B.The arrangement of the garden
C.The appearance oil the garden
D.The scent of the flowers

【答案】 D
58、 年终结账时，若有结转销户科目，则应当（　）。
A.核实该科目下部分分户账
B.注销该科目下所有的分户账
C.核实该科目下所有的分户账
D.注销该科目下部分分户账

【答案】 B
59、 关于股票和公司债券的公开行为，以下说法正确的是（　　）。
A.股票发行实行核准制，公司债券实行审批制
B.股票和公司债券均实行审批制
C.股票和公司债券均实行核准制
D.股票发行实行审批制，公司债券发行实行核准制

【答案】 C
60、1011BH是（　　）。
A.表示一个二进制数
B.表示一个十六进制数
C.表示一个十进制数
D.一个错误的表示

【答案】 B
61、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
A.Challenges facing European regulators
B.A new regulation in Europe that opens banks to competition
C.The solutions to the flawed banking system in Europe
D.A looming threat to customers' private bank data

【答案】 B
62、资料：Good listening is much more than being silent while the other person talks. To the contrary, people perceive the best listeners to be those who periodically ask questions that promote discovery and insight. These questions gently challenge old assumptions, but do so in a constructive way. Sitting there silently nodding does not provide sure evidence that a person is listening, but asking a good question tells the speaker the listener has not only heard what was said, but that they comprehended it well enough to want additional information. Good listening was consistently seen as a two-way dialog, rather than a one-way “speaker versus hearer” interaction. The best conversations were active.
A.He wants to challenge the speaker
B.He is getting bored of nodding
C.He is listening carefully
D.He wants to make the dialog stop

【答案】 C
63、This nomination will take two months, after which the commission will make its____to the president.
A.recommendation
B.accommodation
C.motivation
D.promotion

【答案】 A
64、He’s a strange child and his teachers find it difficult to ______ him.
A.scold
B.reach
C.play
D.seize

【答案】 B
65、The poor man’s clothes are as ___ as a scarecrow’s.
A.rampant
B.ragged
C.regale
D.remiss

【答案】 B
66、It is very important that the text is neither too detailed ___ too complex for the intended readers.
A.nor
B.or
C.no
D.not

【答案】 A
67、应世界经济论坛创始人兼执行主席施瓦布邀请，国家主席习近平将于2021年1月25日在北京以视频方式出席世界经济论坛（　　）对话会并发表特别致辞。
A.APEC议程
B.博鳌议程
C.达沃斯议程
D.金砖五国议程

【答案】 C
68、In the experiment , the researcher placed a rat in a maze, ___ it was presented with different smells to see if it can resist the distraction and get to the exit.
A.what
B.that